Terms of Service

Please read these Terms of Service carefully before using HCFX. By accessing or using the platform, you agree to be bound by these terms.

Effective Date: February 1, 2026Last Updated: April 19, 2026

1Acceptance of Terms

By accessing or using the HCFX platform ("Service"), including our website, mobile applications, and any related services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you may not access or use the Service.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and HCFX — a 1Plan project ("HCFX," "HCFX," "we," "us," or "our"). By creating an account, accessing the Service, or clicking "I Agree," you acknowledge that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy, which is incorporated herein by reference.

You must be at least 18 years of age to use this Service. By using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

2Description of Service

HCFX is a property-centric home management platform designed to help homeowners track, manage, and maintain their properties. The Service provides the following core tools:

  1. Property Dashboard — A centralized overview of your property including key performance indicators, maintenance status, active projects, and system health scores.
  2. Digital Binder — A document management system for organizing and storing property-related records such as warranties, permits, inspection reports, receipts, and contracts.
  3. Systems Inventory — A tracking tool for home systems including HVAC, plumbing, electrical, roofing, and appliances, with lifecycle visualization, maintenance history, and replacement forecasting.
  4. Project Management — Tools for planning and tracking home improvement projects, including budgets, timelines, contractor communications, and dedicated project-level messaging.
  5. Maintenance Calendar — A scheduling tool with calendar and list views for recurring and one-time maintenance tasks, color-coded by system, with overdue alerts and reminders.
  6. Mobile Access — A mobile-optimized interface with camera upload capabilities for on-the-go document capture and simplified property management.

HCFX may modify, update, or discontinue any feature of the Service at any time. We will make reasonable efforts to notify users of material changes that affect their use of the platform.

3User Accounts

3.1 Registration

To access certain features of the Service, you must create a HCFX account. When registering, you agree to provide accurate, current, and complete information, and to update such information as necessary to keep it accurate and complete.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials, including your password. You agree to notify HCFX immediately of any unauthorized use of your account or any other breach of security. HCFX will not be liable for any losses arising from unauthorized use of your account where you have failed to maintain the security of your credentials.

3.3 Account Responsibility

You are solely responsible for all activity that occurs under your account, whether or not you have authorized such activity. You may not share your account credentials with any third party, and you may not use another person's account without their express permission.

3.4 One Account Per Property Profile

Each property profile on HCFX is tied to the physical property address. Property profiles follow the property, not the individual user. When property ownership changes, the incoming owner may request transfer of the property profile, subject to verification procedures outlined in our transfer policy.

4Subscriptions and Billing

4.1 Subscription Tiers

HCFX offers the following subscription plans:

  • Free Plan ($0/month): Basic property profile, limited document storage (25 documents), systems inventory (up to 5 systems), maintenance reminders, and mobile access for a single property.
  • Home Plan ($9.99/month): Full access to all six core tools for one property, unlimited document storage, full systems inventory, project management tools, maintenance calendar, and email support.
  • Home+ Plan ($24.99/month): Everything in the Home Plan plus support for up to three properties, household sharing (2 users), budget tracking and reporting, priority email support, and PDF report exports.

Pricing is subject to change. We will provide at least thirty (30) days' notice before any price increase takes effect for existing subscribers.

4.2 Billing and Auto-Renewal

Paid subscriptions are billed on a recurring monthly or annual basis, depending on the billing cycle you select at the time of purchase. Your subscription will automatically renew at the end of each billing period unless you cancel prior to the renewal date. By subscribing, you authorize HCFX to charge your designated payment method on a recurring basis.

4.3 Cancellation

You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of your current billing period. You will retain access to paid features until the end of the period for which you have already paid. HCFX does not provide prorated refunds for partial billing periods.

4.4 Free Trial

HCFX may offer free trial periods for paid plans. At the end of the free trial, your subscription will automatically convert to a paid subscription unless you cancel before the trial period ends. We will notify you before the trial expires.

4.5 Taxes

All fees are exclusive of applicable taxes unless otherwise stated. You are responsible for paying all taxes associated with your use of the Service.

5User Content and Data

5.1 Ownership

You retain full ownership of all data, documents, images, and other content that you upload, submit, or store through the Service ("User Content"). HCFX does not claim any ownership rights over your User Content.

5.2 License to HCFX

By uploading User Content to the Service, you grant HCFX a limited, non-exclusive, worldwide license to store, process, display, and transmit your User Content solely for the purpose of providing and improving the Service. This license terminates when you delete your User Content or close your account, except as required for backup and disaster recovery purposes.

5.3 Data Security

HCFX employs industry-standard security measures to protect your User Content, including encryption in transit and at rest, regular security audits, and access controls. However, no method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security.

5.4 Data Portability

You may export your User Content at any time through the Service's export functionality. Upon account termination, HCFX will make your data available for export for a period of thirty (30) days, after which your data may be permanently deleted from our systems.

5.5 Data Processing

HCFX may process your User Content in aggregated and anonymized form for the purpose of improving the Service, generating industry insights, and developing new features. Aggregated data will not identify you or your property individually.

6The HCFX Property Record

HCFX is designed as a property-centric platform. Certain data held by the Service is maintained at the property level — that is, it is associated with a physical address rather than with any individual user account. This section describes how that data is handled, why it persists, and your rights with respect to it.

6.1 What is the Property Record

For each physical property registered on the Service, HCFX maintains a Property Record: a durable, curated collection of documented events and supporting evidence associated with that property. The Property Record may include, without limitation, recorded events such as permits, inspections, repairs, replacements, installations, warranty registrations, service visits, invoices, receipts, professional reports, and photographic documentation, together with their dates, parties involved, materials, costs, and source documentation.

The Property Record is distinct from your personal account and from user-generated commentary (such as reviews, opinions, or forum posts). Those materials are treated as User Content under Section 5 and as user speech under Section 7 (Acceptable Use).

6.2 Why the Property Record persists

The Property Record is maintained as a continuous chain-of-custody record of events that have occurred at a property. Its purpose is to support trustworthy property history — for homeowners, renters, contractors, inspectors, insurers, lenders, future buyers and sellers, and other parties with a legitimate interest in the property's documented condition and history. This function is analogous to other records-custodian services, including vehicle history records, title records, public permit records, and professional inspection databases.

Accordingly, the Property Record is maintained across changes in ownership, tenancy, user account status, and subscription tier. By submitting documentation to the Service that pertains to a property, you acknowledge and agree that (a) the documented event becomes part of that property's Property Record, (b) the event may be accessed by current and future authorized users of that property, and (c) the event will be retained as a fact of the property, subject to the dispute and correction procedures described below.

6.3 Verification tiers

Entries in the Property Record are labeled according to their evidentiary basis:

  • Verified. Entries backed by primary- source documentation, such as an invoice, permit, inspection report, manufacturer warranty registration, or photographic evidence with verifiable metadata. Verified entries are maintained as documented facts of the property.
  • Unverified. Entries submitted without primary-source documentation, such as a user-reported maintenance event without a receipt. Unverified entries are attributed to the submitter and labeled as such on the Property Record.
  • Disputed. Entries for which a party with a legitimate interest has submitted conflicting documentation or a good-faith challenge to accuracy. Disputed entries are marked visibly on the Property Record pending resolution.

6.4 Dispute and correction process

Any party with a legitimate interest in a Property Record entry — including the current property owner, a prior owner, a named contractor, or any other party directly referenced in the entry — may challenge the accuracy of that entry. Challenges must be submitted through the Service's dispute process and must include supporting counter-evidence or a reasoned basis for the challenge.

Upon receiving a good-faith challenge, HCFX will review the evidence, mark the entry as Disputed pending resolution, notify the original submitter where reasonably possible, and make a reasonable determination based on the available evidence. HCFX may amend, annotate, mark as corrected, or — where the entry is demonstrably false or unsupported — remove the entry.

6.5 Your personal information vs. the Property Record

Your personal information (including your name, contact details, account credentials, and payment information) is subject to our Privacy Policy and to your rights under applicable privacy laws, including the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and other applicable laws. You may exercise your privacy rights — including the right to access, correct, export, and delete your personal information — as described in our Privacy Policy.

However, property-level facts documented in the Property Record (for example, "a roof replacement occurred at this address on [date] by [contractor] for [cost], documented by [invoice]") are records of property events, not records of you as an individual, and are maintained as part of the documented history of the property. Where technically feasible and consistent with applicable law, HCFX will disassociate deleted or anonymized user identifiers from the underlying Property Record entries rather than erase the property-level event itself.

HCFX believes in good faith that maintaining Property Record entries in this manner is consistent with applicable privacy law, which provides for the retention of records necessary for the establishment, exercise, or defense of legal claims, for compliance with legal obligations, and for legitimate interests in durable property records, subject to appropriate safeguards.

6.6 Transparency and provenance

Each Property Record entry displays its provenance — including its verification tier, submission date, submitting party (or an anonymized reference), and supporting documentation, to the extent such information is available and appropriate to display. Disputed and corrected entries are visibly labeled.

6.7 Reliance on the Property Record

Property Record entries are maintained in good faith based on information submitted by users and, where applicable, verified against primary-source documentation. The Service is not a substitute for professional inspection, legal advice, or due diligence. Parties relying on the Property Record for transactional, insurance, lending, regulatory, or similar purposes should independently verify entries of material consequence.

7Acceptable Use

You agree not to use the Service to:

  1. Violate any applicable local, state, national, or international law or regulation.
  2. Upload, transmit, or distribute any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, obscene, or otherwise objectionable.
  3. Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity.
  4. Interfere with or disrupt the Service, servers, or networks connected to the Service, or disobey any requirements, procedures, policies, or regulations of networks connected to the Service.
  5. Attempt to gain unauthorized access to any portion of the Service, other accounts, computer systems, or networks connected to the Service, whether through hacking, password mining, or any other means.
  6. Use any automated means, including bots, scrapers, crawlers, or spiders, to access the Service or collect data from the Service without our prior written consent.
  7. Upload viruses, malware, or other malicious code to the Service.
  8. Use the Service to send unsolicited commercial communications (spam).
  9. Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service.

HCFX reserves the right to investigate and take appropriate action against anyone who, in our sole discretion, violates this section, including removing offending content, suspending or terminating the violator's account, and reporting the violation to law enforcement authorities.

8Intellectual Property

8.1 HCFX Property

The Service, including its original content (excluding User Content), features, functionality, design, logos, trademarks, and underlying technology, is and will remain the exclusive property of HCFX — a 1Plan project and its licensors. The Service is protected by copyright, trademark, trade secret, and other intellectual property laws of the United States and foreign jurisdictions.

8.2 Trademarks

"HCFX," "HCFX," the HCFX logo, and all related names, logos, product and service names, designs, and slogans are trademarks of HCFX — a 1Plan project. You may not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on the Service are the trademarks of their respective owners.

8.3 Your Content

As stated in Section 5, you retain ownership of all User Content you submit to the Service. Nothing in these Terms transfers ownership of your intellectual property to HCFX.

8.4 Feedback

If you provide HCFX with any suggestions, ideas, improvements, or feedback regarding the Service ("Feedback"), you hereby assign to HCFX all rights in such Feedback and agree that HCFX may use and incorporate such Feedback without restriction or obligation to you.

10Copyright and DMCA

HCFX respects the intellectual property rights of others and expects users of the Service to do the same. This section describes how HCFX handles copyright notifications under the Digital Millennium Copyright Act ("DMCA"), 17 U.S.C. § 512.

10.1 Notice of Alleged Infringement

If you believe that User Content hosted on the Service infringes your copyright, you may submit a written notice to our designated DMCA agent that includes all of the following:

  1. A physical or electronic signature of a person authorized to act on behalf of the copyright owner;
  2. Identification of the copyrighted work claimed to have been infringed;
  3. Identification of the material claimed to be infringing, with sufficient detail to permit us to locate the material;
  4. Your contact information (address, phone, email);
  5. A statement that you have a good-faith belief that the use of the material is not authorized by the copyright owner, its agent, or the law; and
  6. A statement, under penalty of perjury, that the information in the notice is accurate and that you are authorized to act on behalf of the copyright owner.

Notices may be sent to our designated DMCA agent at legal@hcfx.us with subject line "DMCA Notice".

10.2 Counter-Notification

If you believe that material you submitted was removed or disabled by mistake or misidentification, you may submit a counter-notification to our DMCA agent including: your signature; identification of the removed material and the location at which it appeared; a statement under penalty of perjury that you have a good-faith belief the material was removed as a result of mistake or misidentification; and your consent to jurisdiction in the federal district court for the judicial district in which your address is located (or, if outside the U.S., the Central District of California).

10.3 Repeat Infringer Policy

In accordance with the DMCA and other applicable law, HCFX maintains a policy of terminating, in appropriate circumstances, the accounts of users who are determined to be repeat infringers.

10.4 Property Record Entries Are Not DMCA Material

This DMCA process applies to copyrighted User Content hosted on the Service — for example, user-submitted photographs, written reviews, commentary, or other original creative works. Entries in the HCFX Property Record (as defined in Section 6) are records of documented property events rather than copyrighted creative works of any individual user. Requests seeking removal or correction of Property Record entries must be submitted through the dispute and correction process described in Section 6.4, not as DMCA takedowns. We evaluate such requests in good faith under the records-custodian standards described in Section 6.

10.5 False Claims

Under 17 U.S.C. § 512(f), any person who knowingly materially misrepresents either that material is infringing or that material was removed by mistake or misidentification may be subject to liability for damages, including costs and attorneys' fees. Please consider whether material is actually infringing before submitting a notice, and whether your material was actually removed in error before submitting a counter-notification.

11Limitation of Liability

11.1 Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance. HCFX does not warrant that the Service will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected.

11.2 Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall HCFX, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from (a) your access to or use of, or inability to access or use, the Service; (b) any conduct or content of any third party on the Service; (c) any content obtained from the Service; or (d) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.

11.3 Cap on Liability

In no event shall HCFX's total liability to you for all claims arising out of or related to these Terms or the Service exceed the amount you have paid to HCFX in the twelve (12) months immediately preceding the event giving rise to the claim, or one hundred dollars ($100), whichever is greater.

11.4 Not Professional Advice

The Service is a home management tool and does not provide professional advice. HCFX is not a licensed contractor, inspector, engineer, or real estate professional. Any information provided through the Service, including maintenance recommendations and system lifecycle estimates, is for informational purposes only. You should always consult qualified professionals for specific home maintenance, repair, or improvement decisions.

12Termination

12.1 Termination by You

You may terminate your account at any time by contacting us or using the account deletion feature within the Service. Upon termination, your right to use the Service will immediately cease.

12.2 Termination by HCFX

HCFX may suspend or terminate your account and access to the Service at any time, with or without cause, and with or without notice, including if we reasonably believe that you have violated these Terms. In the event of termination for cause, you will not be entitled to any refund of prepaid fees.

12.3 Effect of Termination

Upon termination of your account: (a) your license to use the Service will immediately terminate; (b) you will have thirty (30) days to export your User Content as described in Section 5.4; (c) after the thirty-day export period, HCFX may permanently delete your User Content from its systems; and (d) any provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, limitations of liability, and dispute resolution provisions.

13Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to its conflict of law provisions.

Any disputes arising out of or relating to these Terms or the Service shall be resolved exclusively in the federal or state courts located in the State of Delaware, and you consent to the personal jurisdiction of such courts.

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

14Changes to Terms

HCFX reserves the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least thirty (30) days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

We will notify you of changes by posting the updated Terms on this page and updating the "Last Updated" date. We may also send you an email notification or display a notice within the Service. By continuing to access or use the Service after any revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new Terms, you must stop using the Service.

15Contact

If you have any questions about these Terms of Service, please reach out:

HCFX — a 1Plan project

hello@hcfx.us

We aim to respond to all inquiries within two (2) business days.